Check the backgrounds of our investment professionals on FINRA’s BrokerCheck.
Investments with Patelco Financial Solutions
Invest in your future to help you get where you’re going with Patelco Financial Solutions.
Financial Advisor Services
Financial Advisors1 will create a personalized investment strategy that aligns with your long-term goals.
Estate Planning Strategies
Everyone needs an estate plan, regardless of age, assets, or stage of life. Secure your legacy and family’s future with an affordable and inclusive solution.
Now is the time to invest in your future
Free Financial Advisor consultation
We’ll discuss your situation and goals in detail, then create a customized investment strategy and retirement analysis.
Strategies that fit your goals
No matter what your goals are, we can provide personalized strategies, tools, and experience to help you achieve more on your financial journey.
Planning for every stage of life
Rollover strategies, IRAs, 401(k) and 403(b) plans, retirement planning, trust and estate planning strategies, annuities, and college savings plans.
Request Financial Guidance
Patelco Credit Union offers complimentary one-on-one guidance from our Certified Financial Specialists. Whether you’re looking to save money, create a budget, or reduce your debt, Patelco has personalized solutions for you.
Business Banking FAQs
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To become a business member at Patelco Credit Union, the business must operate in one of our eligible counties or cities:
Counties
- Alameda
- Contra Costa
- El Dorado
- Marin
- Merced
- Napa
- Placer
- Sacramento
- San Francisco
- San Joaquin
- San Mateo
- Santa Clara
- Solano
- Sonoma
- Stanislaus
- Yolo
Cities
- Bakersfield
- Eureka
- McKinleyville
- SantaCruz
Credit unions are typically not-for-profit organizations, so they often have lower fees and better interest rates than banks. Your money is also safe at a credit union: Deposits are insured by the National Credit Union Administration up to $250,000 per account.
Credit unions like Patelco are also member-owned, so they tend to offer more personalized service and support. Patelco offers a wide range of small business accounts and services, including business checking and savings accounts, credit cards, overdraft protection and merchant services.It’s important to consider your business needs and budget before you open your small business account.
Some things you should consider:- The types of transactions you will be making
- The number of transactions you will be making each month
- The amount of money you need to keep in your account
- The features and services you need
- The fees associated with the account
A business account can lend credibility to your small business and opens your small business up to greater investment opportunities. It may also offer liability protection and make financial transactions easier. Finally, a separate business account can make it easier to manage your business finances and accounting.
- Sole proprietorships, meaning an individual who operates and owns a business on their own.
- General partnerships
- Limited partnerships (LPs)
- Limited Liability Partnerships (LLPs)
- Limited Liability Companies (LLCs)
- S Corporation
- C Corporation
- Incorporate Association
- Unincorporated Association
Here’s some of the information we’ll ask for:
- The location of your business (physical and mailing address)
- Tax Identification Number (TIN)
- Business status – is it woman-owned or minority-owned?
- Information about the owner(s) or person in charge, including full name, date of birth, Social Security Number, residential address, personal phone number, and valid ID
- Business entity type (sole proprietorship, general partnership, Limited Partnership, etc.)
We’ll also need additional documents based on the type of business you own. We’ll provide the list when you meet with Virtual Branch.
We’ve created an easy to follow checklist that outlines what an individual must have in order to establish a business membership with Patelco.
1 The financial professionals at Patelco Financial Solutions are Financial Advisors with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Patelco Credit Union and Patelco Financial Solutions are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Patelco Financial Solutions, and may also be employees of Patelco Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Patelco Credit Union or Patelco Financial Solutions. Securities and insurance offered through LPL or its affiliates are:
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Not Insured by NCUA or Any Other Government Agency |
Not Credit Union Guaranteed |
Not Credit Union Deposits or Obligations |
May Lose Value |
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.